Lifestyle Guide · Central Florida
55+ Communities in Central Florida
123 active-adult communities across 8 counties, each with an honest guide. Age-restricted communities operate under the federal HOPA exemption, and the real differences between them are the fee stacks: HOA dues, CDD or per-home bonds, club memberships, and for condos the reserve schedule. Every card links a guide with sourced prices; HOA dollars shown where verified from active listings.
Polk County (38) Full Polk County 55+ hub →
Andover House Lakeland HarbourRead the guide →Brandy Chase VillageRead the guide →Brookhaven VillageRead the guide →Center CrestRead the guide →Center Crest RvRead the guide →Claridge HouseRead the guide →Colony Club Estates Winter HavenRead the guide →CypresswoodRead the guide →Del Webb Ridgewood LakesRead the guide →Garden Grove OaksRead the guide →Genesis PointRead the guide →Imperial HarboursRead the guide →Imperial Harbours Ph 01Read the guide →LILY LAKE GOLF & RV RESORT PH 02Read the guide →Lake James Ph 01Read the guide →Lake N Golf EstatesRead the guide →Lake Wales VillageRead the guide →Lake Wales VillageRead the guide →Lakeland HarbourRead the guide →Lakeland Harbour AptsRead the guide →Lakeside Ranch For Mobile HomesRead the guide →Landmark Baptist Village Ph 02Read the guide →Marianna ParkRead the guide →Martin EstatesRead the guide →Martin EstatesRead the guide →Mount Olive Shores NorthRead the guide →Orchid Spgs Vill 400 San MiguelRead the guide →Polo Park EstatesRead the guide →Preserve at Lakeside Landings$337K, lawn care in the HOA, the ameniRead the guide →Ridgewood LakesRead the guide →SANDPIPER GOLF & COUNTRY CLUB PH 01Read the guide →Saddlebag LakeRead the guide →Sandpiper Golf and Country Club Ph 4Read the guide →Skyview EstatesRead the guide →Sun Air Country Club Add 01Read the guide →Sweetwater Golf and Tennis ClubRead the guide →Thousand RosesRead the guide →Whispering Pines FrostproofRead the guide →
Marion County (27)
Brookhaven~$318K-$435K, $51-$96/mo HOA, no adverRead the guide →Candler Hills~$336/mo HOA inclRead the guide →Cherrywood EstatesRead the guide →Cherrywood PreserveRead the guide →Clubhouse Estates at SummerfieldRead the guide →Del Webb Spruce Creek Golf and Country Club$211 HOA, no bond and no CDD, 36 holesRead the guide →Falls of OcalaRead the guide →Indigo East~$241/mo HOA with internet bundled, ~$Read the guide →Jb Ranch$215/mo HOA includes lawn care and traRead the guide →Liberty Village$280K-$400KRead the guide →Marion LandingRead the guide →Melody Preserve$55/mo HOA, pickleball + trails + dog Read the guide →Oak RunRead the guide →Ocala Palms~$272 operator-run monthly fee and whaRead the guide →Ocala PalmsRead the guide →Ocala PreserveRead the guide →On Top of the WorldHOA about $494/monthRead the guide →Palm CayRead the guide →Pine Run EstatesRead the guide →Quail MeadowRead the guide →Rolling Greens Village$60K-$200K), lease the lotRead the guide →Spruce Creek NorthRead the guide →Spruce Creek Preserve$110-$487/mo by tierRead the guide →Spruce Creek South~$150K-$350KRead the guide →Stone Creek by Del Webb~$348KRead the guide →StonecrestHOA about $152/monthRead the guide →SummerGlenHOA about $390/monthRead the guide →
Lake County (20) Full Lake County 55+ hub →
Arlington RidgeRead the guide →Cagan Crossings WestRead the guide →Del WebbRead the guide →Del Webb LakehavenRead the guide →Del Webb MinneolaRead the guide →Esplanade at Highland RanchRead the guide →Heritage Hills$345-$420 monthly fee and the lawn-paiRead the guide →Highland Lakes$114/monthRead the guide →Kings Ridge$212 to $496 a month and what they bunRead the guide →Lakes of~$280/month HOA and what it actually cRead the guide →Lakes of Mount DoraRead the guide →Legacy of Leesburg Un 01Read the guide →Pennbrooke FairwaysRead the guide →Plantation at LeesburgRead the guide →Regency at Lake HillsRead the guide →Royal Harbor$187/month HOA and exactly what it covRead the guide →Royal HighlandsRead the guide →Scottish Highlands~$150/mo fee with sewer and basic cablRead the guide →Sullivan RanchRead the guide →Summit GreensRead the guide →
Volusia County (16)
Alhambra Villas DeLandRead the guide →Arlington House Daytona BeachRead the guide →Beresford ManorRead the guide →Berkley HouseRead the guide →Captain's Quarters$340K-$550K, rentable slips, clubhouseRead the guide →Country Club Chalets New Smyrna BeachRead the guide →Cresswind DeLand$465/month HOA plus CDD fee stack, theRead the guide →Cresswind at Victoria Gardens~$425/quarter bundling lawn/cable/inteRead the guide →Edgewater Landing EdgewaterRead the guide →Escondido At Tomoka A Condo Ormond BeachRead the guide →Friendly Shores EdgewaterRead the guide →Latitude Margaritaville Daytona BeachRead the guide →Laurelwood Port Orange$159K to $310KRead the guide →Oak Leaf Preserve Edgewater~$353K, ~$391K avg saleRead the guide →Summer Trees Port OrangeRead the guide →Tuscany Villas, A CondoRead the guide →
Osceola County (10) Full Osceola County 55+ hub →
Del Webb Sunbridge St Cloud~$1,500 district assessment, the 27,00Read the guide →Del Webb Twin LakesRead the guide →Harmony 40 Active AdultRead the guide →Harmony 50 Active AdultRead the guide →Harmony Reserve$300sRead the guide →K. Hovnanian's® Four Seasons at CrossprairieRead the guide →SolivitaRead the guide →Solivita Ph 7DRead the guide →Tohoqua Reserve~$128 HOA plus the Tohoqua CDD, the prRead the guide →Twin LakesRead the guide →
Orange County (6)
Del Webb OasisRead the guide →Del Webb OrlandoRead the guide →Del Webb OrlandoRead the guide →Outdoor Res/OrlandoRead the guide →Trilogy Orlando$578/month HOA and what it bundles, thRead the guide →WindermereHOA about $291/monthRead the guide →
Sumter County (5) Full Sumter County 55+ hub →
Continental Country Club~$265-$320/mo, no lot rent - with manuRead the guide →Village Of Cason Hammock The VillagesRead the guide →Village Of Edenfield The VillagesRead the guide →Village Of LaGrange The VillagesRead the guide →the Villages Wildwood~$400,000, new construction near $350,Read the guide →
Seminole County (1)
Useful next steps
Property tax estimator · What a CDD fee is · Condo assessment rules and data · The Villages vs the alternatives · Northeast Florida 55+ hub · Neighborhood finder
How many 55+ communities does Momentum track in Central Florida?
123 communities across 8 counties, each with a full guide. Prices in the guides are attributed to dated third-party sources, and HOA dollars appear where verified from active MLS listings.
What fees should 55+ buyers check that listings sites skip?
Four layers: HOA dues and exactly what they cover; any CDD or per-home bond (The Villages model) on the tax bill; club or amenity memberships billed separately; and for condos, the association budget and post-Surfside reserve schedule. The fee stack varies more among 55+ communities than the amenities do.
Are these communities legally allowed to be age-restricted?
Yes - communities operating under the federal Housing for Older Persons Act exemption may lawfully restrict by age. Each guide describes the restriction structure factually; verify the specific community rules and any occupancy requirements with the association.